When you have a suspended driver’s license and don’t own a vehicle, you’ll need to carry Maine non owner SR22 insurance to regain your driving privileges. Non-owner insurance is a non-owner policy in your name with an SR22 certificate endorsement.
How do I get Maine non owner SR22 insurance?
You can buy a policy for non-owners by choosing a non-owner insurance company licensed in the state of Maine. They will write a non-owner insurance policy in your name and endorse the SR22 form to it. The certificate is then filed with the Maine Bureau of Motor Vehicles (BMV) to obtain reinstatement of your license.
Maine non owner SR22 insurance is a financial responsibility form that guarantees you’ll remain properly insured for a specific period of time in the future. Because it’s a guarantee, your insurance company monitors your policy to ensure you keep it current for the mandated time. In most cases, that time period is three years. If your policy lapses during that time, the insurance provider notifies the BMV by filing an SR26 form. This results in an immediate license suspension, requiring you to repeat the reinstatement process to regain your driving privileges.
What does non-owner insurance cover?
Non owners SR22 insurance is liability-only coverage that insures you when you drive a non-owned car on an occasional basis. Maine non-owner SR22 insurance policies do not include comprehensive or collision coverage, because they don’t insure a vehicle. If you’re at fault in an accident, your non-owner policy serves as secondary coverage after the vehicle owner’s auto insurance reaches its coverage limits. Non-owner insurance does not pay claims unless the vehicle owner’s coverage exceeds its limits.
Your Maine non-owner’s insurance will not cover damage to the vehicle you are driving or to passengers in that vehicle. It only covers claims made by the other party involved in an at-fault accident.
Limitations of non-owner SR22 insurance
- It is only for people who don’t own a vehicle
- The policy is written in your name only and covers only you
- Coverage does not include vehicles owned by others in your household
- You are not covered when driving a commercial, rental, or employment-related vehicle
What if I buy a car later?
If you currently have a non-owner SR22 on file and buy a car while you’re still required to carry this insurance, you can convert the certificate to an owner/owner-operator SR22. To stay in compliance, your insurance provider will write you an auto insurance policy with an SR22 endorsement. (See SR22 Insurance Maine.) Your premiums will increase, depending on the vehicle you’re insuring.
Maine BMV
You’ll find more information about SR22 financial responsibility, as well as Maine license suspension/revocation, on the Maine BMV website.
Get your Maine non owner SR22 insurance quote from UltraCar Insurance. We’re a leading company specializing in affordable SR22 insurance in Maine, and are licensed in the state. Click here to start an online quote or call to talk with one of our helpful agents!
